<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       2,962,772
<INT-BEARING-DEPOSITS>                          59,370
<FED-FUNDS-SOLD>                             4,114,898
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 15,920,622
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     35,744,572
<ALLOWANCE>                                    536,000
<TOTAL-ASSETS>                              61,410,654
<DEPOSITS>                                  48,562,336
<SHORT-TERM>                                 2,279,962
<LIABILITIES-OTHER>                            284,243
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                     1,200,000
<OTHER-SE>                                   9,084,113
<TOTAL-LIABILITIES-AND-EQUITY>              61,410,654
<INTEREST-LOAN>                              1,120,773
<INTEREST-INVEST>                              502,071
<INTEREST-OTHER>                               261,775
<INTEREST-TOTAL>                             1,884,619
<INTEREST-DEPOSIT>                             903,637
<INTEREST-EXPENSE>                             975,416
<INTEREST-INCOME-NET>                          909,203
<LOAN-LOSSES>                                  536,000
<SECURITIES-GAINS>                                (495)
<EXPENSE-OTHER>                              1,675,262
<INCOME-PRETAX>                             (1,245,146)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                (1,245,146)
<EPS-BASIC>                                      (1.05)
<EPS-DILUTED>                                    (1.05)
<YIELD-ACTUAL>                                    3.70
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              536,000
<ALLOWANCE-DOMESTIC>                           536,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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